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Mattress Firm Promo Codes & Black Friday Sale

Mattress Firm's savings sit in its Black Friday sale through December 8, a code for a free adjustable base, $200 to $300 brand credits, an extra 20% for groups verified by ID.me and a Low Price Guarantee that pays back the difference for 120 days.

Does Mattress Firm have promo codes?

Yes. On November 2, 2026 its Black Friday page and product listings showed a code for a free adjustable base, its Instant Gift page showed three brand credit codes, and a homepage banner showed a code headed extra 15% off select mattresses online, though that banner's fine print said 20% on select online exclusive products. ID.me gives verified groups a single-use code and the email list gives a first-order offer, and the notes on those offers and the banner say they can't be combined with other coupons.[1, 2, 4, 6, 10]

  • Free adjustable base with select mattresses from $499Code hidden
  • $300 credit toward an adjustable base with a Tempur-Pedic mattressCode hidden
  • $300 credit toward an adjustable base with a Stearns & Foster mattressCode hidden

Our verdict

Buy inside the Black Friday sale, which runs through December 8, 2026: select mattresses are up to $700 off, and a code on the sale listings adds a free Sleepy's Basic adjustable base on select queens from $499 and kings from $599. If you qualify through ID.me, weigh that base against an extra 20% off, because the two can't be combined. Keep your invoice: for 120 days after purchase, the Low Price Guarantee refunds the difference if the same or a comparable mattress set is advertised for less.

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7 ways, ranked

Ways to save at Mattress Firm

Ordered by what each is typically worth to a regular shopper — the biggest saving first.

  1. Buy in the Black Friday sale by December 8

    Up to $700 off select mattressesLow effortAnyone buying a mattress this fall

    The Black Friday sale runs October 21 to December 8, 2026, in stores and online. Its lead deal prices a select king at the regular price of a queen, or a select queen at the regular price of a twin, saving up to $700; on November 2, 2026 the sale also showed select mattresses in any size from $249.99 and a $499.99 queen mattress and adjustable base bundle. Clearance and outlet items and brands including Purple, Tempur-Pedic, Stearns & Foster, Beautyrest Black, Nectar and DreamCloud sit outside the up-to-$700 deal. Mattress Firm's 2026 releases show the same up-to-$700, free-base and Instant Gift deals at its Presidents Day, Memorial Day and summer sales too.[1, 2, 3, 23, 24, 25]

  2. Add the free adjustable base code

    Sleepy's Basic base, $299.99 valueLow effortSelect queens from $499, kings from $599

    The site's fine print, read November 2, 2026, gives a free Sleepy's Basic adjustable base with select mattresses: a queen base at a $499 minimum and a king base at a $599 minimum, in the same size as the mattress, and the October 21 release dates the deal through December 8, 2026. The Black Friday page says to enter the code at checkout, and one product page also offered $299 off an upgraded base instead. The fine print leaves out Purple, Serta iComfort, Tempur-Pedic, Stearns & Foster, select Sealy Posturepedic, Beautyrest Black, Nectar, Kingsdown Wesley and select DreamCloud beds, and the Black Friday page's FAQ also names tulo, Sealy Hybrid, Tuft & Needle, Lull and clearance items. The simplest check is the free-base line printed on a qualifying listing.[1, 2, 3, 5]

    1. Filter the Sale & Clearance page to Free Adjustable Base.
    2. Pick a qualifying mattress and a base in the same size.
    3. Enter the code shown on the listing at checkout.
  3. Use a brand gift code on a premium bed

    $300 on two brands, $200 on SealyLow effortTempur-Pedic, Stearns & Foster and Sealy buyers

    On November 2, 2026 the Instant Gift page gave a $300 instant credit toward select adjustable bases with a qualifying Tempur-Pedic or Stearns & Foster mattress, and a $200 credit with a qualifying Sealy mattress. Each brand has its own code, which has to be in the cart. The October 21 release dates these gifts through December 8, 2026, and unused value is lost, so put the base on the same order as the mattress. The fine print says the credit works on "a range of sleep system products" while the Instant Gift page names adjustable bases, so confirm it in the cart before you pay.[1, 3, 4]

  4. Verify with ID.me, or join the email list

    Extra 20%, or 15% on a first $699+ orderSome effortVerified groups, or first-order shoppers

    On November 2, 2026 the discount pages gave service members, veterans and their families, college students, teachers, first responders, medical workers and staff of participating employers a single-use code through ID.me: an extra 20% off qualifying purchases, taken from the listed price including sale items, with a new code available every 90 days. The email page offered an extra 15% off a first order of $699 or more for joining the list. Neither works with another coupon, both leave out brands such as Tempur-Pedic, Stearns & Foster, Beautyrest Black and Nectar, and the ID.me code also can't join the free adjustable base offer, so pick the one worth more to you. The ID.me pages offer an extra 10% off Purple and also list Purple under their exclusions, so ask a Sleep Expert before counting on that.[6, 7, 8, 9, 10]

    1. Open your group's discount page from the site footer.
    2. Choose Verify with ID.me and follow the steps.
    3. Use the single-use code online or in a store.
  5. Claim the Low Price Guarantee after you buy

    The price difference for 120 daysSome effortBuyers of a mattress set

    Mattress Firm says it will match any advertised price, including its own. If the same or a comparable mattress set is advertised below your invoiced price within 120 days of purchase, bring the ad to a store and it will credit your account or mail a refund check for the difference. That makes it worth watching prices after you buy, Mattress Firm's own included. Clearance items, floor samples and auction sites such as eBay, Craigslist and Facebook Marketplace are excluded.[11, 12]

    1. Keep your invoice and note the 120-day date.
    2. Save the print or online ad with the lower price.
    3. Take the ad to a Mattress Firm store.
  6. Check clearance and outlet for deeper cuts

    Up to 70% off select clearanceSome effortShoppers fine with no trial or warranty

    On November 2, 2026 the homepage showed up to 70% off select clearance mattresses, and the Mattress Outlet & Bedding Sale listed 117 items. The trade-off is in the policies: clearance, outlet and preowned items fall outside the 120 Night Sleep Trial, and the warranty page says they carry no warranty from Mattress Firm or the manufacturer. FirmCare sells protection plans for outlet products, with an outlet mattress listed from $69.99 for one year on the same date.[1, 12, 20, 21, 26]

  7. Finance at 0% or take 3% back with the card

    0% for 36 to 72 months, or 3% backSome effortApproved cardholders

    The Mattress Firm Synchrony HOME credit card offers 0% interest with equal monthly payments: on November 2, 2026 the in-store minimums were $1,499 for 36 months, $2,499 for 48, $2,999 for 60 and, through January 19, 2027, $4,999 for 72. Through the same date, select plans pay 3% back on a Visa Prepaid Card: 6, 12 or 24 months on $1,999 or more, or 48 months on $4,999 or more, at stores or by chat or phone. The rebate form is due by February 19, 2027, and the card's funds expire 6 months after it's issued.[1, 15, 16]

4 codes, 7 deals

Mattress Firm promo codes

11 offers, last found Nov 1, 2026. Each one says where it came from.

Owen Price

Codes editorHome and office

Owen looks after the Mattress Firm codes and deals on this page: he adds each one with where he found it and takes it down when it ends.

  • Where each one was found
  • Screenshots of Mattress Firm's page
  • Ended ones taken down daily
More from Owen· 15 store pages in home and office

Mattress Firm prints its public codes on its Black Friday sale page, its Instant Gift page and product listings, and we list those, with the end date where it gives one. A homepage banner shows a further code that changes from visit to visit, so it isn't listed. ID.me group codes are single-use and the first-order offer comes with the email sign-up, so the guide explains them instead of listing them.

  • Mattress Firm promo code

    Free adjustable base with select mattresses from $499

    Mattress Firm's code for a free Sleepy's Basic adjustable base with a select mattress, shown on its Black Friday page and product listings.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: Free adjustable base with select mattresses from $499

    The Black Friday page on mattressfirm.com (US), Nov 2, 2026.

    See details

    A queen base needs a $499 purchase and a king base a $599 purchase, and one product page offered $299 off an upgraded base instead.

    Terms: Enter the code at checkout. The store's October 21 release dates its Black Friday deals through December 8, 2026; the site's fine print says while supplies last. The base is a Sleepy's Basic ($299.99 value) in the same size as the mattress: queen with a $499 minimum purchase, king with a $599 minimum. Split king or split California King: one free base, the second at regular price. No cash value. Not valid on previous purchases, floor samples, Purple, Serta iComfort, Tempur-Pedic, Stearns & Foster, select Sealy Posturepedic, Beautyrest Black, Nectar, Kingsdown Wesley or select DreamCloud; other exclusions may apply. Bases can't be returned, and $299.99 comes off the refund if the mattress is returned (the Black Friday page's FAQ says up to $499.99). The delivery page says a delivery fee of up to $159.99 applies.

    Code hidden

    Ends Dec 8, 2026

  • Mattress Firm promo code

    $300 credit toward an adjustable base with a Tempur-Pedic mattress

    Mattress Firm's code for a $300 instant credit on select adjustable bases when you buy a qualifying Tempur-Pedic mattress, shown on its Instant Gift page.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: $300 credit toward an adjustable base with a Tempur-Pedic mattress

    The Instant Gift page on mattressfirm.com (US), Nov 2, 2026.

    See details

    Terms: The code has to be in the cart. The Instant Gift page shows no end date; the store's October 21 release dates its Black Friday deals through December 8, 2026, and the fine print says while supplies last. Bases included: TEMPUR-Ergo, TEMPUR-Ergo Smart Base, TEMPUR-Ergo ProSmart Base, TEMPUR-Ergo ProSmart Air Base or Sealy Ease Base. Must go on the same transaction as the mattress; unused value is lost. Not valid on previous purchases, floor samples, clearance, final markdowns or outlet products; other exclusions may apply. The value used, up to $300, comes off the refund if the mattress is returned.

    Code hidden

    Ends Dec 8, 2026

  • Mattress Firm promo code

    $300 credit toward an adjustable base with a Stearns & Foster mattress

    Mattress Firm's code for a $300 instant credit on select adjustable bases when you buy a qualifying Stearns & Foster mattress, shown on its Instant Gift page.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: $300 credit toward an adjustable base with a Stearns & Foster mattress

    The Instant Gift page on mattressfirm.com (US), Nov 2, 2026.

    See details

    Terms: The code has to be in the cart. The Instant Gift page shows no end date; the store's October 21 release dates its Black Friday deals through December 8, 2026, and the fine print says while supplies last. Bases included: TEMPUR-Ergo, TEMPUR-Ergo Smart Base, TEMPUR-Ergo ProSmart Base, TEMPUR-Ergo ProSmart Air Base or Sealy Ease Base. Must go on the same transaction as the mattress; unused value is lost. Not valid on the Stearns & Foster Studio Collection, previous purchases, floor samples, clearance, final markdowns or outlet products; other exclusions may apply. The value used, up to $300, comes off the refund if the mattress is returned.

    Code hidden

    Ends Dec 8, 2026

  • Mattress Firm promo code

    $200 credit toward an adjustable base with a Sealy mattress

    Mattress Firm's code for a $200 instant credit on select Sealy and Tempur-Pedic adjustable bases when you buy a qualifying Sealy mattress, shown on its Instant Gift page.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: $200 credit toward an adjustable base with a Sealy mattress

    The Instant Gift page on mattressfirm.com (US), Nov 2, 2026.

    See details

    Terms: The code has to be in the cart. The Instant Gift page shows no end date; the store's October 21 release dates its Black Friday deals through December 8, 2026, and the fine print says while supplies last. Bases included: Sealy Ease Base, TEMPUR-Ergo, TEMPUR-Ergo Smart Base, TEMPUR-Ergo ProSmart Air Base or TEMPUR-Ergo ProSmart Base. The fine print names select Sealy Posturepedic mattresses. Must go on the same transaction as the mattress; unused value is lost. Not valid on previous purchases, floor samples, clearance, final markdowns or outlet products; other exclusions may apply. The value used comes off the refund if the mattress is returned.

    Code hidden

    Ends Dec 8, 2026

  • Mattress Firm deal

    Up to $700 off select mattresses in the Black Friday sale

    Mattress Firm's Black Friday sale gives a select king for the regular price of a queen, or a select queen for the regular price of a twin, saving up to $700.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: Up to $700 off select mattresses in the Black Friday sale

    The home page on mattressfirm.com (US), Nov 2, 2026.

    See details

    Terms: Valid October 21 to December 8, 2026, in stores and online. Savings applied to the everyday low price and vary by mattress, up to $700 off. Only on the mattresses indicated; selection may vary by store. Not valid on previous purchases, clearance and outlet products, Purple, Serta iComfort, Tempur-Pedic, Stearns & Foster, select Sealy Posturepedic, Beautyrest Black, Nectar or DreamCloud. Other exclusions may apply.

    See the offer

    Ends Dec 8, 2026

  • Mattress Firm deal

    $499.99 queen mattress and adjustable base bundle

    A queen Sleepy's by Sealy Spring Luna Euro Top mattress with a queen Sleepy's Basic Adjustable Base for $499.99, which Mattress Firm calls its lowest price bundle.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: $499.99 queen mattress and adjustable base bundle

    The Black Friday page on mattressfirm.com (US), Nov 2, 2026.

    See details

    Terms: The store's October 21 release dates this deal through December 8, 2026; while supplies last. The listing shows it as queen mattress and base now $499 with the free-base code. Additional discounts can't be applied to bundles. Not valid on previous purchases. Bases can't be returned, and the base's $299.99 price comes off the refund if the mattress is returned.

    See the offer

    Ends Dec 8, 2026

  • Mattress Firm deal

    Any size from $249.99 on select mattresses

    Mattress Firm's Any Size, One Price deal sells select mattresses at one price in twin, full, queen or king, starting at $249.99.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: Any size from $249.99 on select mattresses

    The Black Friday page on mattressfirm.com (US), Nov 2, 2026.

    See details

    Terms: The store's October 21 release dates this deal through December 8, 2026. Single pricing and savings apply to select mattresses, one mattress at a time, and may differ. Not valid on previous purchases.

    See the offer

    Ends Dec 8, 2026

  • Mattress Firm deal

    Up to 70% off select clearance mattresses

    Mattress Firm's clearance offer, shown on its homepage and Black Friday page, takes up to 70% off select mattresses.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: Up to 70% off select clearance mattresses

    The Black Friday page on mattressfirm.com (US), Nov 2, 2026.

    See details

    Terms: No end date shown. Savings applied to the store's low price and vary by mattress; only on the mattresses indicated, while supplies last. Not valid on previous purchases; other exclusions may apply. Clearance isn't covered by the 120 Night Sleep Trial and carries no warranty from Mattress Firm or the manufacturer.

    See the offer

    No end date given

  • Mattress Firm deal

    Up to $150 off a bedding bundle of pillows, sheets and a protector

    Buy 2 pillows, a mattress protector and a sheet set from one Sleepy's collection and save $50 on Basics, $100 on Signature or $150 on Deluxe.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: Up to $150 off a bedding bundle of pillows, sheets and a protector

    The Bedding and Pillows page on mattressfirm.com (US), Nov 2, 2026.

    See details

    Terms: Valid October 21 to December 8, 2026, while supplies last. Size availability varies by collection. Items have no cash value and can't be returned. Not valid on previous purchases or clearance items. Can't be combined with other accessory offers or gift-with-purchase bedding offers.

    See the offer

    Ends Dec 8, 2026

  • Mattress Firm deal

    0% interest for 72 months on purchases of $4,999+

    Equal monthly payments with no interest for 72 months on purchases of $4,999 or more with the Mattress Firm credit card.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: 0% interest for 72 months on purchases of $4,999+

    The Mattress Firm credit card page on mattressfirm.com (US), Nov 2, 2026.

    See details

    Terms: Valid September 30, 2026 to January 19, 2027, subject to credit approval. 72 equal monthly payments required. For 60- and 72-month in-store purchases, taxes and delivery fees must be paid upfront. The qualifying purchase amount, less any down payment, must be on one receipt.

    See the offer

    Ends Jan 19, 2027

  • Mattress Firm deal

    3% back with special financing on purchases of $1,999+

    Select Mattress Firm credit card plans pay 3% back on a Visa Prepaid Card: 6, 12 or 24 months on $1,999 or more, or 48 months on $4,999 or more.

    Found on mattressfirm.com on Nov 1, 2026

    On the store's own page

    Mattress Firm: 3% back with special financing on purchases of $1,999+

    The Mattress Firm credit card page on mattressfirm.com (US), Nov 2, 2026.

    See details

    Terms: Valid September 30, 2026 to January 19, 2027 at participating stores, online via chat or by phone, subject to credit approval. 3% of net purchases, paid after the order is delivered and the rebate form is in, online or postmarked by February 19, 2027. One rebate per qualifying purchase. The Visa Prepaid Card arrives within 8 weeks of meeting the requirements, and its funds expire 6 months from issue.

    See the offer

    Ends Jan 19, 2027

6 rules · mattressfirm.com, United States

The rules that decide what you pay

What Mattress Firm says about delivery, setup and haul-away, delivery changes, 120 Night Sleep Trial returns, refunds and financing options — the details that turn a good deal into a bad one, or the other way round.

Delivery

Free drop-off at your door, with no setup or removal.

On November 2, 2026 the delivery page described Free Delivery as a contactless drop-off at your front door, side door or garage, with no stairs and no removal of your old mattress set; items sent by UPS get a free service without setup or haul-away. Mattress Firm doesn't ship abroad, to PO Boxes or to Puerto Rico, and Alaska and Hawaii orders go through chat or phone. The Delivery & Shipping tab on each product shows which options it qualifies for.[13, 14]

Setup and haul-away

$109.99, or $159.99 with an adjustable base.

On November 2, 2026 $109.99 covered mattress and box spring setup, packaging removal, removal of your old set and up to three flights of stairs. $159.99 adds adjustable base setup, five flights and up to three mattress sets, and $209.99, sold in stores, by chat or by phone, adds a two-hour window you choose, based on availability. Mattress Firm's FAQ says California gets haul-away at no extra cost, and its delivery page says some states don't allow in-home setup. Your old mattress has to be free of blemishes, rips, tears and burns to be taken.[13, 14]

Delivery changes

A missed setup delivery costs the fee again.

Someone 18 or older has to be home for setup deliveries, and missing the window brings a $109.99 or $159.99 redelivery fee on those tiers, as listed November 2, 2026. If one arrives late, sign the manifest with the time stamp and contact the store you bought from; it will credit your account or mail a check for the delivery fee within three weeks. You can reschedule up to 24 hours ahead, change an order until it ships and cancel before delivery by texting a local Sleep Expert through the store locator.[13, 14]

120 Night Sleep Trial returns

One exchange and/or one return, with a $249.99 charge.

Sleep on the mattress for at least 30 nights first. You get one exchange and/or one return per purchase, each with a $249.99 return processing charge on the policy page read November 2, 2026; the site's fine print splits it into a $99.99 return delivery fee and a $149.99 restocking fee, and Hawaii has no restocking fee. The returns page counts the 120 days from delivery and the FAQ from purchase, so work to the earlier date. A stained, unsanitary or damaged mattress, or one without its white law tag, can't be exchanged or refunded, so keep the tags on and use a protector.[1, 12, 14]

Refunds

Cards take 7 to 10 business days; financed orders up to 2 billing cycles.

A refund goes back to a credit card in 7 to 10 business days, and the FAQ says the same of debit cards. Cash and check payments come back as a mailed check in 2 to 4 weeks, and a financed purchase can take up to 2 billing cycles to show. Your refund is the purchase price less the $249.99 charge listed November 2, 2026 and any state use tax, and free or discounted gifts are charged back too.[12, 14]

Financing options

Store card, Affirm or lease-to-own.

The store card runs from 6 to 72 months, and checking whether you prequalify doesn't touch your credit score, though a full application is a hard inquiry. On November 2, 2026 Affirm loans ran up to 12 months at 0 to 36% APR with no penalty for paying early. Progressive Leasing needs no credit history but costs more than the cash price, covers select items and isn't offered in Minnesota, New Jersey or Wisconsin; a standard lease takes 12 months to ownership.[15, 16, 17, 18]

Jan · Feb · Mar · Apr · May · Jun · Jul · Aug · Sep · Oct · Nov · Dec

When to shop at Mattress Firm

Sale events from Mattress Firm's own pages, each under the months it runs.

  • Jan–Mar

    Presidents Day Sale

    Ran January 21 to March 3, 2026, with the up-to-$700 deal, a free adjustable base and Instant Gifts up to $300.[23]

  • Apr–Jun

    Memorial Day Sale

    Ran April 29 to June 9, 2026, with the same three deals.[24]

  • Jul–Sep

    Best Sale of the Year

    Ran July 29 to September 29, 2026, with the same three deals.[25]

  • Oct–Dec

    Black Friday Sale

    Runs October 21 to December 8, 2026. Mattress Firm's sale page puts Black Friday itself on November 27.[2, 3]

  • Sep–Jan

    72-month 0% financing and 3% back

    Both run September 30, 2026 to January 19, 2027; rebate forms are due by February 19, 2027.[1, 16]

5 catches in the fine print

Watch out for

Where shoppers lose the saving they thought they had.

  1. A return takes back the free gift's value

    The fine print read November 2, 2026 says adjustable bases can't be returned and takes the base's $299.99 price off your refund if the mattress goes back; the Black Friday page's FAQ says up to $499.99. Instant Gift value, up to $300, comes off in the same way, and the returns page charges for any Gift With Purchase item on a cancelled or returned order.[1, 2, 12]

  2. A free base can bring a delivery fee

    On November 2, 2026 the delivery page said a fee of up to $159.99 applies when you buy an adjustable base during the Free Adjustable Base promotion. Check the delivery line in your cart so you can weigh it against the base's value.[13]

  3. Many items sit outside the sleep trial

    The trial doesn't cover clearance, outlet or preowned items, floor and display samples, pillows, mattress protectors, furniture, accessories, or adjustable bases other than TEMPUR-ActiveBreeze Smart Bed bases. Special order sizes such as California King, Split Cal King, three quarter, crib and futon are final, though the two California King sizes stay eligible in California.[12]

  4. Shorter card plans can charge interest from the purchase date

    On 6-, 12- and 24-month plans, interest is charged from the purchase date if the balance isn't paid in full in time, and the minimum payments may not clear it. The fine print read November 2, 2026 put the purchase APR at 34.99% for new accounts as of July 31, 2025. In-store 60- and 72-month plans need taxes and delivery fees paid upfront.[1, 16]

  5. Compare-at and store prices can differ

    Mattress Firm's Legal Disclaimer says compare-at prices reflect nationally competitive MSRP and list prices and don't reflect interim markdowns. It also says selection and prices may vary from store to store, so check your local store and the site before you pay.[22]

9 questions

Mattress Firm savings FAQ

Yes. On November 2, 2026 its Black Friday page and product listings showed a code for a free adjustable base, its Instant Gift page showed three brand credit codes, and a homepage banner showed a code headed extra 15% off select mattresses online, though that banner's fine print said 20% on select online exclusive products. ID.me gives verified groups a single-use code and the email list gives a first-order offer, and the notes on those offers and the banner say they can't be combined with other coupons.[1, 2, 4, 6, 10]

December 8, 2026. Mattress Firm's October 21 release dates the deals from October 21 through December 8, and its sale page puts Black Friday itself on November 27. The release gives no separate date for the day, and the Low Price Guarantee can refund the difference if the same or a comparable mattress set is advertised for less within 120 days of purchase.[2, 3, 11]

Yes, through its 120 Night Low Price Guarantee. If the same or a comparable mattress set is advertised for less than your invoiced price within 120 days of purchase, by Mattress Firm itself or anyone else, bring the ad to a store for a credit or a refund check. Clearance items, floor samples and auction sites such as eBay and Facebook Marketplace don't qualify.[11, 12]

On November 2, 2026 the returns page listed a $249.99 return processing charge for the 120 Night Sleep Trial, and the site's fine print splits it into a $99.99 return delivery fee and a $149.99 restocking fee. You need to sleep on the mattress for 30 nights first, and you get one exchange and/or one return per purchase. State use tax and the value of any free gift also come off the refund.[1, 12]

Free Delivery drops the mattress at your front door, side door or garage, with no stairs, setup or removal of your old set. On November 2, 2026 setup and haul-away cost $109.99, or $159.99 with an adjustable base, and the FAQ says California gets haul-away at no extra cost.[13, 14]

Yes. On November 2, 2026 active and reservist military, veterans, retirees, spouses and registered dependents could verify through ID.me for a single-use code worth an extra 20% off qualifying purchases, and a new code is available every 90 days. It works on sale prices, but not on clearance, adjustable bases or brands such as Tempur-Pedic and Stearns & Foster, and not with the free adjustable base offer.[6]

Yes. On November 2, 2026 registered college students, full or part time, and teachers, faculty and staff of K-12 schools and colleges had the same ID.me offer, an extra 20% off qualifying purchases with a new single-use code every 90 days. First responders, medical workers and staff of participating employers have matching pages.[7, 8, 9]

Yes, with its Synchrony HOME credit card: 0% interest with equal monthly payments for 36, 48, 60 or 72 months, from in-store minimums of $1,499, $2,499, $2,999 and $4,999 on November 2, 2026, with the 72-month offer running to January 19, 2027. Affirm showed rates from 0 to 36% APR on terms up to 12 months. If you choose a 6-, 12- or 24-month card plan instead, pay it off in time or interest is charged from the purchase date.[15, 16, 17]

Qualified customers can, through Truemed, whose practitioners can issue a Letter of Medical Necessity at no cost to you when you shop at Mattress Firm. The store advises paying with a normal card and claiming the money back from your HSA or FSA administrator with your receipt and the letter, rather than using an HSA or FSA card at checkout. It also warns that FSA dollars expire at the end of the year, so plan around December 31.[19]

26 sources, all on mattressfirm.com

Where these facts come from

Every numbered note above points here. We read these pages on Nov 2, 2026. Stores change their policies, so check Mattress Firm's live page before relying on a detail.

How this guide was made

By the SavedRight editorial team. First published Nov 2, 2026; the “Updated” date changes only when the content does. How we research

  1. Research and writing

    Researched from Mattress Firm's own pages: 26 sources, read on Nov 2, 2026.

  2. Editing

    7 ways to save, ranked by what each is typically worth to a regular shopper.

  3. Fact-check

    Every figure is numbered to one of the 26 sources above, each with the date it was read.

  4. Codes and offers

    Looked after by Owen Price, our codes editor for home and office. The 11 codes and offers on this page each say where they come from and when they were listed, and come down when they end.

  5. Standards and corrections

    Sources, dates and disclosures checked against our publishing rules before it went live on Nov 2, 2026.

Spotted something out of date? Tell us — every correction is checked against Mattress Firm's current page.

Happy saving! The SavedRight team